The Vanquis Credit Card
We'd like to give you the credit you deserve.
- Build a stronger Credit Rating
- Enjoy up to 56 days interest free credit on
purchases when your balance is clear
- Accepted wherever you see the Visa sign
- We won’t give you more credit than we think
you can afford to repay
- Typical 39.9% APR variable on a credit limit of £250 ]
We won’t set your credit limit any higher than you can afford
With The Vanquis Visa Card, there’s no need to worry about large repayments. We’ll set up a manageable credit limit for you, based on what you can afford to repay. So you can be sure your balance and repayments won’t get out of hand.
Choose how much you repay
Whenever your balance is clear, you’ll have up to 56 days before interest is added to your account for purchases. So it’s possible to buy over the phone, in stores and on the Internet without paying extra. And as long as you pay at least the minimum payment shown on your statement by the due date each month, you can choose to pay any amount any time – weekly, fortnightly or monthly, whatever’s convenient for you.
Cut your interest – build your credit rating
The Vanquis Credit Card rewards careful use. By keeping to your credit limit and repaying on time, you’ll be going some way to improving your overall credit rating. Your improved track record could help you build a strong credit history, and in turn increase your credit limit. And remember, the best way to pay less interest is to pay off your monthly balance in full whenever you can.
Apply now
Don’t worry if you’ve been turned down elsewhere, had payment problems or had a County Court Judgement issued against you in the past – we’ll still consider you. Simply complete the short online application and we’ll get back to you by phone. It’s that easy.
Important: Credit is subject to status; telephone contact; confirmation of name and address; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit eg because of bankruptcy.
The Vanquis Credit Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.
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About Credit Cards To Rebuild Your Credit
What are they?
A product developed specifically for clients wishing to re-build or re-start their credit history - adverse credit cards offer many a second chance at financial recovery. Ideal if you’ve recently recovered from a period of financial difficulty or have been declined by a ‘prime’ card provider.
An adverse credit card does not differ hugely from its ‘prime credit card’ sister. The application process is much the same, subject to status. The advantage being that the adverse credit card provider acknowledges that the applicant has probably experienced some financial difficulties in the past, so makes some provision for this when making a decision on whether to accept the application. With no discernable difference in appearance to their ‘prime’ counterparts, adverse credit cards have no visual or perceived stigma attached and offer the same freedom of choice where client spending is concerned - internet, telephone and over the counter usage are all permitted.
Pros
Adverse credit cards provide an excellent opportunity to re-establish a client’s credit status. Credit limits are set at an affordable amount so that budgeting is established and over spending discouraged. This helps a client not to overstretch themselves, thus encouraging a more balanced approach to credit facilities. Over a period of time, the cost of borrowing, the APR, can be re-considered and reduced. Credit limits may be raised after prolonged acceptable useage.
Cons
The cost of borrowing on credit cards, especially adverse credit cards, can be extremely high. If a client has not budgeted correctly, they may find themselves in a situation where their repayments become too costly. Without disciplined use, an adverse credit card may result in accumulated debt that is not met.
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CONSOLIDATE YOUR CREDIT
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